The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,868
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,170
−HK$1,323/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,707/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,577
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,827
−HK$1,267/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$51,682
+HK$2,588/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,588/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$3,249/mo
Deposit HK$7.34M · loan HK$11.02M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,521/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,018
+HK$3,105/mo
Deposit HK$7.34M · loan HK$11.02M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,615
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,438
−HK$1,852/mo
Today · 4.125%
HK$62,290
baseline
▲ 0.50% · 4.625%
HK$66,081
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,580/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,208
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,957
−HK$1,774/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,354
+HK$3,623/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,362
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,706
−HK$2,382/mo
Today · 4.125%
HK$80,088
baseline
▲ 0.50% · 4.625%
HK$84,961
+HK$4,873/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,176/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,839
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,088
−HK$2,281/mo
Today · 4.125%
HK$88,369
baseline
▲ 0.50% · 4.625%
HK$93,027
+HK$4,658/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,738/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,536 · Scale 2, in force from 26 Feb 2026)